[2024年08月17日]OH-Life-Agent-Series-11-44試験問題集を試そう！ベストOH-Life-Agent-Series-11-44試験問題
検証済みのOH-Life-Agent-Series-11-44テスト問題集で正確な107問題と解答
質問 # 34
An insured owns a whole life insurance policy on himself. He would also like coverage for his minor son
and/or daughter. One way the Insured can accomplish this goal Is to purchase a
- A. child term rider.
- B. guaranteed insurability rider.
- C. famitp maintenance rider.
- D. family income rider.
正解：C
質問 # 35
Which of the following is a provision in an interest-sensitive life policy which allows the policyowner to
withdraw the policy's cash value Interest free?
- A. Waiver of Premium.
- B. Partial Surrender.
- C. Automatic Premium Loan.
- D. Spendthrift Clause.
正解：B
質問 # 36
Risks are generally NOT Insurable if
- A. there are many individuals who may also experience a similar loss.
- B. deductibles would be required.
- C. the loss is expected.
- D. the policyholder has a policy from another insurer.
正解：C
質問 # 37
Generally, If a life application Is NOT prepaid, the effective date of coverage begins on the date the
- A. application is signed.
- B. company underwriter approves the risk.
- C. application is postmarked and mailed to the insurer.
- D. policy is delivered and accepted.
正解：D
質問 # 38
While texting and driving, an Insured loses control of the vehicle and hits a tree. The resulting collision Is
- A. a hazard.
- B. an exposure.
- C. a risk.
- D. a peril.
正解：D
質問 # 39
Which of the following dividend options is taxable?
- A. Return of premium.
- B. 1-year term.
- C. Accumulation at interest.
- D. Paid up additions.
正解：C
質問 # 40
Insurers do business in Ohio only after a thorough financial review. Most insurance policies written in Ohio
are protected by the Guaranty Association established to protect policy owners In the event an admitted
company
- A. merges with a foreign insurer.
- B. depletes its loss reserves.
- C. cannot meet it's capital surplus requirements.
- D. becomes financially insolvent.
正解：D
質問 # 41
An Insurer would consider which of the following In determining whether to accept a group life plan?
- A. Average age
- B. Dependents
- C. Grace period
- D. Beneficiary
正解：A
質問 # 42
An agent's underwriting duties Include which of the following?
- A. Completing all applications and collecting initial premiums.
- B. Issuing the policy.
- C. Setting premium amounts.
- D. Declining or accepting an application.
正解：A
質問 # 43
All of the following statements apply to the surrender of an annuity contract EXCEPT
- A. the owner has the right to surrender the contract during the accumulation period.
- B. surrender charges diminish over a stated number of years and will eventually disappear.
- C. surrender charges will reduce the contract payout amount.
- D. the right to surrender Is available on immediate and deferred annuities.
正解：D
質問 # 44
Which of the following policies allows the policyowner to change two policy features?
- A. Modified Life.
- B. Credit Life.
- C. Adjustable Life.
- D. Term Life.
正解：C
質問 # 45
The most common use of a group life insurance policy is to insure
- A. retirees.
- B. association members.
- C. members of a family.
- D. company employees.
正解：D
質問 # 46
Contributions made to a Roth IRA are
- A. only tax deductible at age 50 or older.
- B. not tax deductible.
- C. partially tax deductible.
- D. tax deductible at retirement.
正解：B
質問 # 47
Which of the following is a life insurance contract written on the life of an individual?
- A. Single-Life Insurance.
- B. Insurance.
- C. Survivorship Policy.
- D. Joint Life Contract.
正解：C
質問 # 48
The Group Life Underwriting risk selection process helps protect Insurers from
- A. medical underwriting.
- B. adverse selection.
- C. risk selection.
- D. risk underwriting.
正解：B
質問 # 49
As a form of level premium permanent Insurance, ordinary life Insurance accumulates a reserve that
eventually
- A. equals the face amount of the policy.
- B. results In a dividend payment to the policyowner.
- C. ceases to earn interest or grow in a positive earnings direction.
- D. requires mandatory cash value distributions.
正解：A
質問 # 50
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Ohio Department of Insurance OH-Life-Agent-Series-11-44テストエンジンPDFで全問 無料問題集：https://www.goshiken.com/Ohio-Department-of-Insurance/OH-Life-Agent-Series-11-44-mondaishu.html
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